9 Best South Dakota Mortgage Lenders of 2021
NerdWallet helps you make a smart decision when it comes to choosing a South Dakota mortgage lender best-suited to your needs.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
With abundant natural beauty and a low cost of living — especially when it comes to housing— South Dakota is a great place to call home. Choosing the best mortgage lender when you buy or refinance a home can help you settle into the environment with peace of mind.
NerdWallet has researched the leading mortgage lenders in South Dakota and chosen the best in several high-demand borrowing categories.
With abundant natural beauty and a low cost of living — especially when it comes to housing— South Dakota is a great place to call home. Choosing the best mortgage lender when you buy or refinance a home can help you settle into the environment with peace of mind.
NerdWallet has researched the leading mortgage lenders in South Dakota and chosen the best in several high-demand borrowing categories.
Best South Dakota Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | 620 | 3% | Learn more at Rocket Mortgage, LLC | |
![]() Veterans United: NMLS#1907 Learn more at Veterans United | 620 | 0% | Learn more at Veterans United | |
![]() Wells Fargo: NMLS#399801 | 620 | 3% | Read review | |
![]() US Bank: NMLS#402761 | 620 | 3% | Read review | |
![]() USAA: NMLS#8722 | 620 | 3% | Read review | |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | 620 | 3% | Learn more at Guaranteed Rate | |
![]() Navy Federal: NMLS#399807 | N/A | 0% | Read review | |
![]() loanDepot: NMLS#174457 | 620 | 5% | Read review | |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage |

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC

at Veterans United
Veterans United: NMLS#1907

Min. credit score
620Min. down payment
0%at Veterans United
Wells Fargo: NMLS#399801

Min. credit score
620Min. down payment
3%US Bank: NMLS#402761

Min. credit score
620Min. down payment
3%
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate
Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Last updated on January 20, 2021
Methodology
To recap our selections...